THE KEY RESPONSIBILITIES
Credit Risk Management
Lead the development, review, and ongoing enhancement of credit risk reporting frameworks, dashboards, and management information (MI).
Monitor the Bank's credit risk profile across portfolios, products, sectors, and counterparties, highlighting emerging risks and trends.
Support the formulation and review of credit risk frameworks, policies, methodologies, and risk appetite metrics.
Provide expert analysis and insights on asset quality, portfolio performance, concentrations, stress testing outcomes, and early warning indicators.
Ensure timely, accurate, and compliant credit risk reporting to senior management, Board Risk Committees, and regulators.
Partner with Credit, Finance, Treasury, Business Units, and Compliance to support informed credit decision-making.
Oversee credit risk data quality, assumptions, and integrity across systems and reports.
Support regulatory submissions, internal and external audits, and supervisory reviews relating to credit risk.
Mentor and develop team members, fostering a strong risk culture and technical capability within the Credit Risk function.
Climate Risk
Support the development and maintenance of the Group Climate Risk Framework aligned to international best practice and regulatory guidelines.
Define governance, roles, metrics, data requirements, and processes for physical and transition risk assessment.
Lead climate risk scenario analysis, sector heatmapping, asset level vulnerability assessments, and exposure mapping.
Oversee financed emissions estimation climate concentration analysis and carbon intensive sector reviews.
Integrate climate risk drivers into credit rating models, underwriting, stress tests, and ECL overlays.
Country Risk Management
Develop and maintain the Country Risk Management Framework covering:
Transfer & Convertibility (T&C) risk
Sovereign risk
Contagion risk
Cross border settlement risk
Ensure alignment with Basel Committee guidelines, rating agencies, and internal methodologies.
Monitor country limit utilization across subsidiaries and cross border exposures.
Identify emerging risks arising from geopolitical shifts, capital controls, rating downgrades, or sovereign restructurings.
Integrate country risk into ICAAP, stress testing, and capital planning decisions.
CORE ACCOUNTABILITIES AND DELIVERABLES
Financial
Effective monitoring and reporting of credit risk exposures, impairments, non-performing loans (NPLs), and portfolio quality.
Contribution to optimization of risk-adjusted returns through improved credit risk insights.
Support accurate credit risk inputs into capital adequacy, provisioning (IFRS 9), and stress testing processes.
People
Provide leadership and guidance to credit risk analysts/managers.
Build technical capability and succession within the Enterprise Risk team.
Promote collaboration and high performance across cross-functional teams.
Processes
Design and maintain robust credit risk reporting and escalation processes.
Ensure adherence to approved credit risk governance frameworks and internal controls.
Drive continuous improvement and automation of reporting processes.
Systems
Oversight of credit risk systems, data warehouses, and reporting tools.
Partner with IT and data teams on system enhancements, upgrades, and risk analytics solutions.
Customers / Stakeholders
Provide clear, insightful, and actionable risk information to senior management, committees, and regulators.
Act as a trusted advisor to business and credit teams on credit risk matters.
Qualifications
KEY TECHNICAL SKILLS & LEADERSHIP COMPETENCIES
Strong expertise in credit risk management, portfolio analytics, and credit risk reporting.
In-depth understanding of regulatory frameworks (Basel II/III), IFRS 9, and stress testing.
Advanced analytical and data interpretation skills.
Proficiency in credit risk systems, reporting tools, and data analytics platforms.
Strong strategic thinking and problem-solving capability.
High level of professional judgement and integrity.
Ability to influence and challenge senior stakeholders constructively.
Excellent communication and presentation skills.
People leadership, coaching, and talent development skills.
EXPERIENCE REQUIREMENTS
Minimum 9 years' related areas within the financial services industry, 6 years in Credit Risk experience
ACADEMIC QUALIFICATIONS AND CERTIFICATIONS
Bachelor's degree in finance, Economics, Accounting, Mathematics, Statistics, or a related field.
Master's degree in finance, Risk Management, Economics, or Business Administration is an added advantage.
Professional certifications such as FRM, PRM, CPA, ACCA, or CFA are strongly preferred.